| 村镇银行市场定位偏离：原因解析与政策矫正 |
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| 引用本文： | 刘姣华,;李长健.村镇银行市场定位偏离：原因解析与政策矫正[J].河南金融管理干部学院学报,2014(10):1-5. |
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| 作者姓名： | 刘姣华 ;李长健 |
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| 作者单位： | [1]湖北工程学院经济与管理学院,湖北孝感432000; [2]华中农业大学经济管理学院,湖北武汉430070 |
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| 基金项目： | 中央高校基本科研业务费专项资金项目（2013RW033）; 湖北工程学院科学研究项目（R2010011） |
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| 摘 要： | 村镇银行设立的目的是为农村地区的＂三农＂提供金融服务,但其发展过程中市场定位出现了偏离,主要由于村镇银行的商业性质、市场准入、激励扶持和监管约束等制度的不健全所导致。鉴于此,应通过放宽市场准入制度、建立存款保险制度、加大政策扶持、完善政府监督、推进新型城镇化建设来矫正。
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| 关 键 词： | 村镇银行 市场定位 市场准入 制度 |
An Analysis on the Causes for Deviated Market Positioning of Village Banks and the Policy Rectification |
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| Institution: | LIU Jiaohua, LI Changjian (1. Economic and Management College, Hubei Engineering University, Xiaogan, Hubei 432000, China ; 2. Economic and Management College, Huazhong Agricultural University, Wuhan , Hubei 430070, China ) |
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| Abstract: | The purpose of ihtroducing village banks is to provide financial services for countryside, agriculture and farmers in rural areas. But in the development of village banks, the market positioning deviated from the purpose, which is mainly caused by the imperfect systems such as orientation of commercial nature, market access system, encouraging and supporting system, and requlating and restricting system. It is necessary to rectify the market positioning by relaxing the market access system, establishing deposit insurance system, increasing policy support, improving the government supervision, and promoting new urbanization construction. |
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| Keywords: | village bank market positioning market access system |
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